Posts Tagged ‘insurance’

Lists work. They’re easy to figure out, satisfying to check off. Here’s one to get us all going toward some new levels of preparedness for 2018.

Review or reminder?

For a few people, this will be review. But for most of us, at least one of these items will cause a grimace or even a slap of the forehead because we know we should already have dealt with it!

There are more ideas and resources below the chart. But take a quick first look.

Which item should be first on your list?

More resources for items on the list.

Homeowners’ insurance may not cover water damage to the stuff in your basement. Neither may flood insurance! If you rent, what about the items stored in your “cage” in the parking garage? You will never really know what’s covered until you pull out your policy and go over it with your insurance agent. Here’s an Advisory that will give you more questions to ask about any insurance:Flood Damage Not Covered By Insurance

What was a good place to head for last year may have changed. Update your plans, particularly if you have children. Pick an assembly place nearby – like the big oak tree at the back of the lot – and another place further down the block or even across town. Can your family members FIND these places without the maps in their phones?Get Out Now — Family Evacuation Plan

Every homemaker knows this, and knows how to do it. In a survival kit, just pull and replace everything! (You may discover that more and more canned items now are self-opening. Yay!) On the kitchen shelves, load at the back, eat from the front. Basta.

I finally got far enough ahead on my blood pressure pills to have 10 days’ worth stored in my survival kit. But they’ve been there a while . . . And as we all know, over time pills lose their effectiveness, band aids lose their stick, bottles dry out, tubes ooze. Your first aid kit could actually do you harm if it’s not up to speed.First Aid Kit Failure

Seems as though it would be easy to run outside in a fire, doesn’t it? But people are trapped and burned every day. Practice with your family! Make sure you know two exits from every room, how to get down from the second floor. What’s your agreed-upon signal for a home invasion threat? Every individual needs to know how to respond. If all your children know is to come screaming for you, you have NOT trained them properly.Escape from Burning House

People around you could turn into rescuers – and even into friends. It can’t hurt to be open to meeting more of them. Besides, it’s just a neighborly thing to do. And if you have a neighborhood emergency response team, invite them to come and find out more.Build a neighborhood team

Memorize important phone numbers. Assume phones won’t be available in a car wreck, a storm, or an earthquake. Memorizing is healthy brain activity, too!

Computer companies compete to be your back-up service. But where do they PUT your files, and how to you access them if your computer has been destroyed? Have at least 3 back-up methods: onto your own computer, onto a separate physical hard drive stored off-site, and into the cloud. Test whatever procedure you have put into place. Just having a COPY of something doesn’t mean you can necessarily start right back up to work.

Did you know that if one roommate applies for relief from FEMA, the other roommate may not be eligible? Do you know who would have to sign off for you to get an insurance payout on your house? We all tend to let legal questions linger . . . 2018 is the year to clean legal issues up for a number of reasons, not least of all to get them off your mind.Legal problems surface after flood

Emergency preparedness isn’t supposed to be all long faces and determined expressions. It’s supposed to be positive! What would be fun for you and your family? Learning to tie knots? Identify edible plants? Start a fire without matches? Operate a HAM radio? Take a course in basic self-defense? Do the CERT training? Every one of these skills will improve your knowledge, improve your confidence, and make you better prepared for any emergency!Tie the right knot!Ham radio operators play key roleSelf-defense for the rest of us

OK, I think that should do it! Post this list somewhere handy, so you won’t overlook these items. What else should we add to the list? Just let us know in the comments!

Virginia
Your Emergency Plan GuideTeam

P.S. While we’re still on the positive aspects of preparedness, don’t miss my most recent Top Ten list! It’s a collection of comfy camping items that would make ANY trip so much more pleasant — and fun! Here’s the direct link: http://emergencyplanguide.org/top-ten/

How To Protect Your Home–And Your Family–In An Emergency

Intro to this week’s Advisory – From time to time, readers contact me to offer a suggestion, a correction or, happily, a Guest Advisory! This week is an example. It was written by Oliver Lambert, co-creator of DisasterSafety. As its name suggests, his site focuses on safety resources including but not limited to hurricane, flooding, wildfire, blizzard, earthquake, and tornado. His mission is to provide the most updated and accurate info on how to stay safe before, during and after these disasters. For those of us who like to-do lists, this article has what you need for several of them! And if you want even more info, follow the links included. Thanks, Oliver!

Winter can be a fun time for many families, especially on snow days; sledding, building snowmen, and drinking hot chocolate are some of the best parts of cold weather.

However, winter storms can cause hundreds or even thousands of dollars’ worth of damage and can leave your home–and your family–exposed to the elements. Even if there’s no damage, there may still be power outages and other issues that can lead to emergency situations.

Fortunately, there are some simple ways to prepare for a major winter storm, and it’s important to do so as soon as the weather turns cold. In many parts of the country, fall and winter are unpredictable seasons, meaning the snow could fly at any time.

Being prepared means having the right tools to deal with Mother Nature plus a plan for your family’s safety.

Read on for some of the best ways to get started.

Winter Prep your home

It’s a good idea to walk from room to room inside your home and look for ways you can prep them for winter weather. This means reversing the direction your ceiling fans turn in so they’ll push down the warm air that collects near the ceiling; having your fireplace and chimney checked and cleaned; laying aside enough firewood to get you through the season; checking and replacing furnace filters and making sure the unit is in good working order; installing a carbon monoxide detector or replacing the batteries in the one you have; and protecting your pipes from freezing. For some tips from professional property managers on how to help your pipes stay warm even in freezing weather, read on here.

Think emergency

It’s important to think about how you’ll handle an emergency. If the power goes out, or if you get stuck inside your home due to heavy snowfall, what will you need to get through several days?

Backup generators, kerosene heaters or wood burning stoves (CO warning!), flashlights, extra batteries, a small radio, blankets, a reserve of food along with any cooking tools you’ll need, medication, and anything your pets may need is a good start.

Make a list and ensure you have everything you need to get yourself and your family through an emergency.

For tips on how to handle heating when the power is out, check out this article from the Red Cross.

Stock up on tools

Bad weather in winter means you’ll likely have to do some shoveling, so stock up on salt and make sure you have the right tools, including sturdy gloves that will protect your fingers from the cold and a shovel that’s in good shape. (The Red Cross article mentioned above reminds you not to overexert yourself in cold weather, too!)

Remember to have a camera handy for when the storm is over so you can photograph any damage for the insurance company. This includes damage to your roof, windows, deck, and gutters. If possible, take “before” photos of these areas in the fall, before the first snow. For more tips on how to handle any storm damage, check out this article from the real estate professionals at Redfin.com.

Get your car ready

Winterizing your car will take some collaboration between you and a mechanic, who can check fluids, tires, and windshield wipers and make sure everything is ready for the cold.

What you can do is stock the car with a jug of water, blankets (foil emergency blankets are compact and inexpensive), flares, a spare tire and set of tools, a flashlight, and a bag filled with snacks such as granola bars in case you get stranded for a little while.

Look outside

The exterior of your home is just as important as the interior when it comes to a winter storm. Branches that are dead or hang close to your house should be trimmed so they don’t become weighed down with ice, and the gutters should be cleaned so icicles don’t form and clog them up. Clear walkways and make sure you have plenty of salt or brine on hand to keep them from becoming slippery hazards.

Remember that each family member should be aware of your plans for winter weather; talk about what you’ll do in case of an emergency and where everyone should meet in case you get split up. Keeping communication open will ensure that everyone stays safe.

Thanks for reading, for making your own check-lists, and being ready for winter. Here in Southern California we continue to have historic high temperatures — 91 degrees on Thanksgiving Day! — and NOAA (National Oceanic and Atmospheric Administration) says that two-thirds of the continental US will likely experience warmer-than-normal conditions this winter season. So, things may not be quite as bad as they could be!

But no matter the long-range outlook, a cold snap or two will surely happen. Be ready.